Auto Insurance FAQs
Dealing with the stress of a collision is hard enough without trying to figure out how your accident insurance works. Here are some answers to frequently-asked questions about insurance policies.
Will the insurance company guarantee your work?
We guarantee our own work, but the insurance company does not have the legal right to guarantee a third party's work.
Who pays for repairs?
It depends on the circumstances. If you were at fault, but have comprehensive or collision insurance, the insurance company would pay the costs minus your deductible. If the other party was at fault, their insurance company should pay.
Do I have to accept the insurance company's appraisal of damage?
No. Check the "Appraisal Clause" in your policy if you have differences with their appraisal. It allows you and the insurance company to gather an opinion from an appraiser you both agree upon, or a third-party "Umpire" if you cannot agree.
Do I have the right to a rental car?
If you have purchased rental car coverage and were not responsible for the accident, you may seek reimbursement from the insurance company or, if another driver was responsible for the accident, their insurance company. If you do not have rental car coverage and were responsible for the accident, you have no grounds to ask for reimbursement. If the other driver was liable, you can generally seek reimbursement from their insurance company.
Who do I call to file a claim?
Reach out to your agent or insurance provider. If someone else is liable for your damages, it's essential to also get in touch with their insurance agent or company. The assigned adjuster will then guide you on any further necessary actions.
What does my policy require me to do after an accident?
Inform your insurance provider about the accident's details, including the time, location, and circumstances of the incident. Provide the names and addresses of individuals injured in the accident as well as any potential witnesses. Collaborate fully with the investigation process. Lastly, acquire or grant authorization for your insurance company to secure necessary documents, medical records, and relevant information.
Want more information on your rights? To make an appointment, call us at 941-306-1000 or make an appointment online!what our customers say
Great experience. Scott was upfront about needed repairs and maintenance, and didn't try to do anything without my authorization. Also, there was no high pressure to do anything immediately like some shops will try. There is a nice, clean, comfortable waiting area with free wi-fi, and he also has loaner cars available if you don't want to or are unable wait around. I have to drive 20 miles to get to this shop, but it's worth it for an honest mechanic.
I had a great experience at Hitchcock Automotive. They were able to get me in right before the Holidays when everywhere else was busy or was not able to do the service that my car needed. I would highly recommend them to anybody looking for a good place to have work done on their car. Friendly staff and quick service.
Traveling to Sarasota for vacation and brakes were making unusual noise and felt that it should be checked out. Read reviews prior to selection and called and spoke with owner , Scott , who directed me to come in anytime. Upon arrival I was greeted by a very courteous and welcoming owner that listened to my issues and had a tech on it and out for a test ride and on a lift and checked out quickly. Results were nothing to worry about and normal for some vehicles from north with little rusting that can cause some noise or rubbing that will go away and does not harm brakes and that mine were in excellent condition. When I offered my credit card for payment Scott informed me there was no charge as they had done no work!! I have already offered his name to some friends that spend winters here for their auto servicing needs.
